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NOTICE

The information and content provided are general in nature and are for informational purposes only. Such information and content are provided as a convenience to you, and Panhandle State Bank makes no warranties, and bears no liability for, your use of the information and content. Panhandle State Bank does not endorse, and is not responsible for, the information, content, links, privacy policy, or security policy of any non-Panhandle State Bank web site links provided. The information and content made available to you are not intended, and should not be construed as legal, tax, or investment advice, or a legal opinion. You should contact your legal, tax, and/or financial advisors to help answer questions about your and your business' specific situation or needs prior to taking any action based upon the information and content.

Identity Theft and Account Hijacking

Identify theft is a devastating violation of a consumer's assets and good name. It's also the fastest growing crime in the nation with an estimated 900,000 cases anticipated this year alone. That's one every minute!

Identity theft is the theft or unauthorized use of any type of identity information such as name, telephone number, Social Security number, date of birth, credit card and bank account numbers, etc.

The losses from identify theft add up to billions of dollars every year, plus loss of time and potentially devastating personal consequences. You may find yourself harassed by debt collectors for purchases you did not make, unable to get credit because of derogatory information on your account, or even investigated for crimes committed by the thief using your name.

Account Hijacking occurs when a criminal obtains your personal banking information and uses it to take over your bank accounts. It can take weeks or months to discover and even longer to recover.

We are taking substantive steps to protect the safety and security of your accounts, and we want to help you manage the threats of identity theft and account hijacking. And we'll do more than just put tools in your hands – our Identity Theft Shield is your front line of protection, defense and recovery.

Identity Theft Shield

Identity theft can go way beyond credit cards and online shopping.

You are at risk every time you use your ATM card, throw away mail or fill out a questionnaire. And new schemes to steal and use your identity are popping up every day. In fact it is more likely that you will be a victim of identity theft at some point in your life that that you won’t be. Why take a chance?

Unlike the majority of identity theft plans available, we're not going to simply send you a few forms or walk you through the steps of identity restoration... We're going to do most of the work for you!

EXCLUSIONS: Legal Remedy – Any Stolen Identity Event where the victim is unwilling to prosecute the person who caused the victim to suffer the fraud or its consequences. Dishonest Acts - Any dishonest, criminal, malicious or fraudulent acts, if the Member(s) that suffered the fraud personally participated in, directed or had knowledge of such acts. Financial Loss - Membership Services do not cover any financial losses attributed to the Stolen Identity Event, including but not limited to, money stolen from a wallet, unauthorized purchases of retail goods or services online, by phone, mail or direct. Pre-existing Stolen Identity Event Limitations - If either the victim had knowledge of, or reasonably should have had knowledge of, the pre-existing stolen identity event based on information provided to them prior to enrollment in the Identity Theft Shield program, such an event or the consequences caused by it are not covered. Business - A covered stolen identity event does not include the theft or unauthorized or illegal use of their business name, DBA or any other method of identifying their business activity.

Pre-Paid Legal Services, Inc.

We give members access to professional legal counsel not only for traditional legal problems, but for everyday events such as buying a house or a car, creating a will, handling a problem with an insurance company, dealing with identity theft, and much more where legal review should be routine, but rarely is. These events can be among the most important events in a person's life, yet there is a tendency for them to take place without proper legal review. For Pre-Paid Legal members, access to legal counsel is only a toll-free phone call away.